Frequently Asked Questions

Start by taking our 60-second quiz to get matched with the right loan program. From there, we'll schedule a discovery call, review your financial picture, and issue a pre-approval letter — often within 24 hours.

Typically you'll need recent pay stubs (last 30 days), W-2s or tax returns (last 2 years), bank statements (last 2 months), and a valid ID. Self-employed borrowers may need additional documentation like profit & loss statements.

From signed contract to closing, the typical mortgage takes 30–45 days. Getting pre-approved can happen in as little as 24 hours. The more prepared you are going in, the smoother and faster the process.

Absolutely, and we highly recommend it. Pre-approval gives you a clear picture of your budget, makes your offers stronger, and shows sellers you're a serious buyer. Our quiz is the first step toward getting pre-approved.

That's exactly what our quiz and discovery call are designed to answer. Based on your credit, down payment, military service, and goals, we'll match you with the best loan options — whether that's conventional, FHA, VA, USDA, or something else.

It depends on the loan program. FHA loans typically require 580+, conventional loans need 620+, and VA loans are flexible with no official minimum (though most lenders look for 580–620). If your credit needs work, we can help you build a plan.

VA and USDA loans offer 0% down. Conventional loans start at 3%, FHA at 3.5%. Florida also has down payment assistance (DPA) programs that many buyers don't know about — we'll help you find what you qualify for.

Closing costs are fees associated with finalizing your mortgage — typically 2–5% of the loan amount. They include lender fees, title insurance, appraisal, escrow setup, and prepaid items like property tax and insurance. We'll walk you through every line item.

VA loans are available to veterans, active-duty service members, reservists, National Guard members, and eligible surviving spouses. You'll need a Certificate of Eligibility (COE), which we can help you obtain.

Yes! Your VA loan benefit is reusable. You can use it again after selling a previous VA-financed home or even have multiple VA loans in some cases. It's one of the most flexible mortgage benefits available.

This is a common myth. While some sellers have concerns about VA appraisals, a well-structured VA offer from a knowledgeable lender is just as competitive as any other. We help your offer stand out by closing on time and keeping communication tight.

Refinancing can make sense when rates drop significantly below your current rate, when you want to shorten your term, when you need to tap equity for home improvements or debt consolidation, or when you can finally drop PMI. We'll run the numbers together.

A cash-out refinance replaces your current mortgage with a new, larger one — and you receive the difference in cash. It's commonly used for home improvements, debt consolidation, or other major expenses. VA cash-out refinancing offers especially favorable terms.

A typical refinance takes 30–45 days from application to closing, though VA streamline refinances (IRRRLs) can sometimes close faster. We keep the process smooth and on schedule.